How do home insurance deductibles work?

Michael Goodman
Apr 13, 2022
2 min read

Updated: Aug 8

How Do Home Insurance Deductibles Work in Kansas?

If you own a home in Kansas, your home insurance policy comes with at least one deductible — maybe more. Deductibles aren’t just a random number on your paperwork. They determine how much you pay out of pocket when you file a claim, and they can make a big difference in your premium.

Let’s break down the basics so you know exactly what you’re looking at on your policy.

Types of Home Insurance Deductibles

1. Flat Deductibles

A flat deductible is a set dollar amount, like $500 or $2,500. It stays the same no matter what your home is worth.

2. Percentage Deductibles

These are based on a percentage of your Coverage A – Dwelling limit.

Example: If your home is insured for $300,000 and you have a 0.75% deductible, your deductible is $2,250.

Most Kansas homeowners see two separate deductibles on their policy:

All Other Perils (AOP): Covers losses like fire, lightning, theft, vandalism, frozen pipes, or explosions.

Wind and Hail: Covers storm damage from—you guessed it—wind and hail.

Why Deductibles Exist

Deductibles keep your premium lower by sharing part of the risk with you. The higher your deductible, the lower your premium (and vice versa).

Real-world example:

Roof replacement cost: $15,000

Deductible: $2,500

Insurance payout: $12,500

If damage is less than your deductible — like $750 in wind damage — you’d likely pay out of pocket without filing a claim.

Local Kansas Example: How We Help Clients Navigate Claims

You’re a Southwest Kansas farmer. A summer hailstorm shreds the roof of your machine shed. You’re wondering, “Now what?”

At Goodman Insurance Solutions, we’ve helped neighbors across Sublette, Garden City, Liberal, and Dodge City through this exact situation:

Local Expertise: We know how storms hit Haskell, Stevens, and surrounding counties. We build policies that respond to Kansas weather.

Personalized Coverage: From your farmhouse roof to livestock shelters, we help you choose deductibles that fit your needs.

Fast, Compassionate Claims Support: We walk you through the process, meet adjusters on-site, and help get repairs started quickly.

Case in point: Last July, Oakley Farms in Ulysses called after a windstorm ripped half the roof off their barn. Within 24 hours, we were there. By the end of the week, their new roof was ordered, and they were back in business before the next storm.

Bottom Line

Know your deductibles before you need them. It’s the difference between a smooth claim and an expensive surprise.

If you’re not sure how your deductibles work — or if they’re set where they should be — call or text 620-531-0261. We’ll walk you through your policy in plain English and make sure you’re ready for whatever Kansas weather throws your way.